FAQ – Payment Options General: What payment modes are available for online purchase? Payment Mode

Type of transaction

Prerequisites to make payment Tentative timeline for credit at FT

Description

Debit cards

Lump sum Your debit card must be registered with your bank for online payments

T+1 (business day)

A debit card, allows the holder to transfer money electronically from their bank account when making a purchase.

• Safe and convenient alternative to using Cash or Cheques

• It also works online purchases Net Banking

Lump sum Net banking user ID and password T+1 (business day)

‘Net Banking’ is a mode of payment that allows you to make payment for the product purchased at website via direct debit from your bank account by using your net banking id and pin/password

NACH Lump sum or SIP

T+2 (business day)

National Payments Corporation of India (NPCI) has implemented “National Automated Clearing House (NACH)” for Banks, Financial Institutions, Corporates and Governments, a web based solution to facilitate interbank, high volume, electronic transactions which are repetitive and periodic in nature

e-Mandate

Lump sum or SIP

Net banking user ID/password or debit cards

T+2 (business day)

Mandates registered by means of electronic channels are known e-mandates. These are very similar to an NACH mandate. They use an electronic validation instead of a physical signature and are offered directly by individual banks

• e-Mandate solution is secure NEFT / RTGS

Lump sum Net banking user ID/password T+2 hours National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) allow individuals, companies and firms to electronically transfer funds from one bank to another, within very short timespans

Bill Pay SIP Net banking user ID/password T+5 (business day)

This is a feature offered by numerous banks where recurring payments are processed via instructions provided by the investor through their NetBanking portal

Can I make a payment from any bank account? All of the above payments should be made from aregistered bank account and third party accounts(accounts not registered with FT and accounts in the name of other individuals) are not allowed. How does one choose the correct payment option? Payment options are generally chosen based on the type of investment

• SIP – o NACH (offline) or e-mandate (online) are the best options as these allow for making

ongoing payments with a single registration that can be made even before the transaction is initiated

o Bill Pay is also a convenient option for online transactions o NetBanking is also provided as an option in order to provide flexibility. However, the

investor will need to initiate a payment for each subsequent instalment and thus may not be convenient

• Lump sum – o Pre-registered NACH (offline) or e-mandate (online) are the best options as these

allow for transactions without the added task of a payment o Debit Cards, NetBanking are convenient from an online perspective as the process is

seamless o RTGS/NEFT is also convenient, however the payment is not linked to the transaction

raising the possibility of error Is there a charge to the investor for specific payment modes? Franklin Templeton is happy to offer various payment modes to provide convenience. Ther e are no charges to the investor for using specific modes. However, some banks may charge nominal fees or charges as part of their banking arrangement with you. Please reach out to your banker for more information or details. How long will it take for my account to be debited using any of the payment modes? After a successful transaction submission, your account will get debited immediately. However, there will be a time lag between the debit in the investor bank account vs the credit in the FTMF account due to our vendor arrangement or payment gateway. [Include list from T&C] Why and for what reason the session is getting expired as ‘session expired’? Session is getting expired due to security reasons or in case of a poor internet connection. This happens, when significant time is taken to make the payment or in case the internet connection fluctuates or goes down Debit Cards: Which debit cards can I use? You can use VISA, MasterCard, RuPay and Maestro cards

What is the advantage of saving the debit card details? Saving card details will facilitate retrieval of debit card details for subsequent transactions. You could instead can opt for ‘Quick Pay’ on subsequent transactions. (Please note that CVV code would not be stored) What information will be stored when saving the card details? We store only the card number, the cardholder name and the card expiry date. We do not store the CVV number or the 3D secure password. Even for a saved card, you need to enter your CVV number for every transaction, thereby keeping the control with you. Is my Debit card information safe on your site? Yes. FT does not store debit card details. These are stored at the payment gateway. Payment gateways are regulated in regards to data storage and appropriate safety measures are in place as a result. In regards to data transmission, FT adopts the industry best practice and uses SSL Certificates to ensure the data security. Any information you enter when transacting in FT website is sent in a Secure Socket Layer (SSL) session and is encrypted to protect you against unintentional disclosure to third parties. How many cards can I save into my online account? You can save multiple card details in your Folio / Account. During payment process, you will be given a choice to choose from the saved cards to make a payment. You can also choose to enter details of a new card to proceed with the payment. What is the difference between Debit Card payment and ATM Pin based cards? These are 2 types of debit cards:

• For users with RuPay, Maestro, Visa and MasterCard standard authentication practices followed by the providers will apply

• However, few banks have ATM Pin based card where a user is required to input his debit card number and an ATM pin on the banks site directly. Then it will redirect to the banks website to provide Debit details and complete the payment

NetBanking: Which banks can I use this feature for? 1 ALLAHABAD BANK 2 ANDHRA BANK 3 AXIS BANK 4 BANK OF BAHRAIN AND KUWAIT 5 BANK OF BARODA 6 BANK OF BARODA CORPORATE 7 BANK OF INDIA 8 BANK OF MAHARASHTRA 9 CANARA BANK 10 CENTRAL BANK OF INDIA

11 CENTURION BANK OF PUNJAB 12 CITI BANK 13 CITY UNION BANK 14 CORPORATION BANK 15 DEUTSCHE BANK 16 DEVELOPMENT CREDIT BANK 17 DHANLAKSHMI BANK 18 FEDERAL BANK 19 HDFC BANK LTD 20 ICICI BANK 21 IDBI BANK 22 INDIAN BANK 23 INDIAN OVERSEAS BANK 24 INDUS IND BANK 25 ING VYSYA BANK 26 KARNATAKA BANK 27 KARUR VYSYA BANK 28 KOTAK MAHINDRA BANK 29 LAKSHMI VILAS BANK CORPORATE 30 LAKSHMI VILAS BANK RETAIL 31 ORIENTAL BANK OF COMMERCE 32 PUNJAB AND SIND BANK 33 PUNJAB NATIONAL BANK 34 PUNJAB NATIONAL BANK CORPORATE 35 SHAMRAO VITHAL COOPERATIVE BANK 36 SOUTH INDIAN BANK 37 STANDARD CHARTERED BANK 38 STATE BANK OF BIKANER AND JAIPUR 39 STATE BANK OF HYDERABAD 40 STATE BANK OF INDIA 41 STATE BANK OF INDORE 42 STATE BANK OF MYSORE 43 STATE BANK OF PATIALA 44 STATE BANK OF TRAVANCORE 45 SYNDICATE BANK 46 TAMILNAD MERCANTILE BANK 47 UCO BANK 48 UNION BANK OF INDIA 49 UNITED BANK OF INDIA 50 VIJAYA BANK 51 YES BANK 52 ANDHRA BANK CORPORATE 53 AXIS BANK CORPORATE 54 BHARTIYA MAHILA BANK 55 JANATA SAHAKARI BANK 56 JAMMU AND KASHMIR BANK 58 RATNAKAR BANK 59 DENA BANK 60 COSMOS BANK 61 PUNJAB AND MAHARASHTRA CO-OP BANK 62 ROYAL BANK OF SCOTLAND

63 SARASWAT BANK 64 CATHOLIC SYRIAN BANK LTD 66 TNSC BANK NACH: What are the benefits of NACH? The benefits of NACH are as follows:

• National Automated Clearing House (NACH) is offered by National Payments Corporation of India (NPCI)

• The NACH system provides a robust, secure and scalable platform to the participants with both transaction and file based transaction processing capabilities.

• It has best in class security features, cost efficiency & payment performance (STP) coupled with multi-level data validation facility accessible to all participants across the country.

• NACH would allow transactions to be cleared in real-time mode rather than batch mode Where do I provide the signed NACH form? Either a distributor or investor can drop off or courier a signed NACH form to the nearest Franklin Templeton Point of Acceptance (POA). The complete list of POAs is available at http://www.franklintempletonindia.com/en_IN/investor/contact-us or by calling 1800 425 4255 or 6000 4255*

Local call charges apply for both numbers

* If calling from a mobile phone, please prefix your city STD code

What is the registration time for NACH? Registration can take as long as 20 business days for various reasons. The registration or failure communication is shared with the investors on receipt of mandate status from NPCI. E-mandate: What are the benefits of using e-mandate? Benefits:

• Complete automated (end-to-end) processing of e-mandates (Includes Registering, modification and cancellation)

• Secure authentication via NetBanking platform

• Automated processing of subsequent debits • No additional means of identification are required

What is the registration time for e-mandate? Registration can take as long as 2 business days

BillPay: How does one setup payments via BillPay? The investor would need to register FT as a biller once through their online banking platform. Your bank would then share such registration to us via our 3rd party service provider. We shall then approach your bank directly to do debits basis your SIP frequency and amount. Majority of the banks offer this as a register once and you need not authorize for every instalment Which banks can I use this feature for? 1 BANK OF BARODA 2 BANK OF INDIA 3 BANK OF MAHARASHTRA 4 CITI BANK 5 CITY UNION BANK 6 CORPORATION BANK 7 DHANALAKSHMI BANK 8 HDFC BANK LTD 9 ICICI BANK 10 IDBI BANK 11 INDIAN BANK 12 INDUS IND BANK 13 ING VYSYA BANK 14 KARUR VYSYA BANK 15 SHAMRAO VITHAL COOPERATIVE BANK 16 STATE BANK OF BIKANER AND JAIPUR 17 STATE BANK OF HYDERABAD 18 STATE BANK OF INDIA 19 STATE BANK OF MYSORE 20 STATE BANK OF PATIALA 21 STATE BANK OF TRAVANCORE 22 UCO BANK 23 ROYAL BANK OF SCOTLAND 24 AXIS BANK 25 FIRSTRAND BANK 26 KOTAK MAHINDRA BANK 27 RATNAKAR BANK 28 SARASWAT BANK 29 DHANALAKSHMI BANK 30 YES BANK

NEFT/RTGS: How do I make a RTGS or NEFT payment? The investor would need to create a beneficiary once at a PAN level through their online banking platform and initiate the payment for every transaction. Beneficiary details are provided at the point of performing a purchase transaction. You can use the registered beneficiary details for subsequent transactions.

40 JAN KALYAN SAHAKARI BANK 41 PUNJAB AND MAHARASHTRA COOPERATIVE BANK 42 BANK OF INDIA 43 COSMOS COOPERATIVE BANK 44 UNION BANK OF INDIA

31 ADITYA ARTHIK NIYOJAN BANK 32 CANARA BANK 33 CATHOLIC SYRIAN BANK 34 DEVELOPMENT BANK OF SINGAPORE 35 FEDERAL BANK 36 LAKSHMI VILAS BANK 37 AHMEDABAD MERCENTILE COOPERATIVE BANK 38 DENA BANK 39 CENTRAL BANK OF INDIA